Even six years ago when I was shopping around to buy some Bitcoins it was already impossible to use Transferwise and most banks had blocked transfers to known cryptocurrency exchanges. When the financial industry wants something ostracised they are quick to move in the same direction.

That's about as real an alternative as if I said you could just send me a mail instead of sending me an email.

> IBAN transfers...Transferwise

Obviously incredibly slow and a lot of work.

> Diner’s Club, Amex, Discover, JCB

Haven't seen these in Europe.

> Apple Pay (Apple Pay Cash)

Limited to banks that support it. In e.g. Denmark, that's only two of the minor ones, meaning far from the majority of people.

You haven't seen AMEX in Europe? I've had one for years and used it all over Europe with zero problems whatsoever.

Your observation doesn’t change that OP hasn’t seen it.

Amex is a small card processor. According to the Nilson report [0], Visa and MasterCard made up 80% of global transaction dollar amount in 2016. Amex, Discover and JCB combined made up 5%.

You may know of Amex but they are a very small card, especially outside of the US.

[0] https://nilsonreport.com/upload/issues/1109_6392.pdf